2. October 28 – November 12, 2010 MIAMI DADE COLLEGE 2011 BENEFITS OPEN ENROLLMENT

3. 2 What is open enrollment?  New benefit elections are effective from January 1st through December 31, 2011 Add or Change your benefits: Health Dental Term Life Flexible benefits (yearly renewal) Disability Group Legal Long Term Care Sick Leave Pool Metro Rail Tax Shelter Annuity

4. 3 ENROLLMENT  Changes outside the plan year are not allowed unless you experience a qualifying change in family status such as: Marriage, divorce, legal separation, or termination of domestic partnership* Birth or Adoption of a child* Death of a spouse, domestic partner or child* Change in dependent eligibility* Significant changes in your spouse’s health coverage due to his/her employment* *(Enrollment forms with required proof must be submitted to HR within 31 days of qualifying event date) ENROLLMENT

5. 4 Aetna Healthcare √ Health Maintenance Organization (HMO) √ Point of Service (POS) There are several benefit changes to the POS that will take effect January 1, 2011. Those changes are documented in the POS slide Health Care Coverage

6. 5 AETNA HMO & POS For additional information, please visit http://www.mdc.edu/hr/Benefits/Aetna/default.asp http://www.mdc.edu/hr/Benefits/Aetna/default.asp Open access No referrals needed Extensive Network Vision: In network only Prescriptions: $10/$35/$60 Certain preventive care services are now free

7. 6 HMO In network coverage only $25 PCP/ $45 Specialist POS In & out of network coverage $30 PCP/ $50 Specialist Deductible for in-network  $500 single  $1,000 family AETNA HMO & POS COMPARISON / DIFFERENCES Deductible for out of network  $1,000 single  $2,000 family

8. 7 Health Care Rates - AETNA HMO Coverage Premium Employer Contribution Employee Contribution (Month) *Employee Contribution (Per Paycheck) Employee $614.83 $0.00 Employee & Spouse $1,139.25$ 614.83$524.43$262.22 Employee & Child(ren) $1,059.98$ 614.83$445.16$222.58 Employee Spouse & Child(ren) $1,310.00$ 614.83$695.17$347.59 DUAL $1,229.66$80.34$40.17 POS Coverage Employee $1,096.69$ 614.83$481.86$240.93 Employee & Spouse $2,033.67$ 614.83$1,418.84$709.42 Employee & Child(ren) $1,892.03$ 614.83$1,277.20$638.60 Employee Spouse & Child(ren) $2,338.74$ 614.83$1,723.91$861.96 Dual $1229.66$1,109.08$554.54

9. 8 Humana  Dental Health Maintenance Organization (DHMO)  Dental Preferred Provider Organization (DPPO) Dental Coverage

10. 9 Humana Dental Coverage – DHMO No deductibles Co-payments apply Coverage of most preventive services Dentist assigned Referrals required

11. 10 Humana Dental Coverage – DPPO No referrals needed In and out of network coverage Deductibles: $ 50 single $150 family $1,500 benefit maximum per calendar year/ per person

12. 11 Dental Care Rates - Humana * Paid on a pre-tax basis. DHMOMonthly Per Pay PeriodRETIREE Employee$14.410.00$14.41 Family$16.36$8.18$30.77 DUAL$1.95$0.97 DPPOMonthlyMDC Pays Difference Per Pay Period*RETIREE Employee$32.22$14.41$17.81$8.91$32.22 Family$68.48 $34.24$68.48 DUAL$54.07 $27.04

13. 12 Term Life Insurance The Hartford College portion :  Face value : 1X base salary  AD &D : 2X base salary  Employee must elect beneficiary Employee Optional:  Face Value: additional 1X, 2X or 3X base salary  AD & D: additional 2X base salary Premiums are based on age rate schedule Age reduction of 8% applies starting at age 60 Approval required for more than one (1) additional base pay amount greater than current coverage.

14. 13 Dependent Life Insurance The Hartford Face Value: –Spouse $15,000 up to age 65 –Dependent: $7,500, 6 months to age 25 or married $500, 14 days-6 months Rate: $3.50 per month /$1.75 per check Voluntary program

15. 14 Disability Insurance - ASSURANT Income protection program Employee elects monthly benefit amount 6 plans offered –Elimination period: 14, 30 or 60 days –Benefit duration: up to 5 years or retirement age (65) Election maximum, 66 2/3 of salary, medical questionnaire not needed in order to add or increase coverage this open enrollment Voluntary program

16. 15 Health & Dependent Care Reimbursement Accounts (AMERIFLEX) Employee elects pre-tax amount for health care (not covered by insurance) and dependent care expenses. Healthcare amount may be used up front Amount divided in 24 deductions Expenses incurred 1/1/11 – 3/15/12 Last day to submit claims – 03/31/2012 Maximum contribution: $5,000/year Renewal required every year Use it or lose it benefit Voluntary program

17. 16 Examples of reimbursable items: HEALTH SERVICES: Ambulance Chiropractic Emergency Room Eye exam/eye glasses Hospital admission Injections and Insulin treatments Pre-natal and post-natal treatments Physician / Specialist co-pays Psychotherapy Sterilization Urgent Care X-ray treatments MRI/Scans Health & Dependent Care Reimbursement Accounts (AMERIFLEX)– cont’d DENTAL SERVICES Cleaning of teeth, Dental x-rays, Filling of teeth Extraction of teeth, gum treatments Oral surgery Due to changes as a result of Health Care Reform, over the counter medication is no longer eligible for reimbursement through the health care reimbursement account

18. 17 Group Legal Insurance - ARAG Access to attorneys and/or preventive legal care Monthly Rates:  $16.30 single  $21.03 family Premiums paid one month in advance Services include: court adoption, specific document preparation, bankruptcy, ID theft, etc. Voluntary program

19. 18 Long Term Care Insurance -CNA Covers benefit for:  Home care  Assisted living  And nursing home care May cover:  Employee  Parents and parents-in-law  Grandparents and grandparents-in-law Premiums determined based on benefit selected

20. 19 Metro/Tri-Rail Pass Discounted rate through payroll deductions Paid one month in advance Paid with pre-tax dollars (changes can only be made during open enrollment) Tri-rail available at a 25% discount rate Voluntary program

21. 20 Tax Shelter Annuity (TSA) / 403(b) Defer taxes of income up to $16,500 in 2011 Additional $5,500 per year for employees age 50 and above Consult with financial advisor for special 15 year service catch up provision eligibility Changes are permitted every quarter for semi- monthly deductions Employee must submit form to take advantage of new limits Voluntary benefit

22. Eligibility: 1 year of full time continuous employment Available balance : 10 sick days (by 10/31/10) Donation upon entry : 5 sick days Participating members : 1 sick day donation Benefit: 30 sick days available Must exhaust all paid leave time Must provide proof of illness 21 SICK LEAVE POOL

23. 22 For Questions: www.mdc.edu “Get Help” “AskHR” Benefits Website: http://www.mdc.edu/hr/Benefits/default. asp http://www.mdc.edu/hr/Benefits/default. asp Benefits contact: EMAIL: openenrollment@mdc.eduopenenrollment@mdc.edu Phone: (305) 237-2010 ADDITIONAL INFORMATION START YOUR OPEN ENROLLMENT ELECTION HERE! Click on this link: http://benefitsenrollment.mdc.eduhttp://benefitsenrollment.mdc.edu

24. THANK YOU